Paycheck Calculator
See your take-home pay after federal, Social Security, Medicare, and state taxes, with a full breakdown of where every dollar of your paycheck goes.
Salary or hourly, any state, with 401(k) impact, 2026 tax rules.
$57,843/yr net, you keep 77% of gross, at a 22.9% effective tax rate in California.
Estimates use annual tax rules and divide the result by your selected pay frequency (26 pay periods a year). Actual employer withholding may differ with your W-4, benefits and pay timing.
How this calculator works
Enter your salary (or hourly rate and hours), your state, and filing status. The calculator applies 2026 federal tax brackets and the standard deduction, Social Security and Medicare (FICA), and your state’s income tax, the same verified tax engine used across the rest of this site.
It then splits your pay into take-home, federal tax, FICA, state and local tax, and any 401(k) contribution, and shows the totals both per paycheck and per year so you can see exactly where your money goes.
Works for annual salaries or an hourly rate and weekly hours.
State income tax (or none) applied automatically.
See how pre-tax contributions change your paycheck.
Weekly, biweekly, semimonthly, or monthly.
Good to know
Estimates use annual tax rules and divide the result by your selected pay frequency. Actual employer withholding may differ.
They don't include pre-tax health or HSA deductions, extra withholding, tax credits, or non-standard local taxes, which can shift your actual paycheck.
Comparing a job offer in another city? Pair this with the relocation and compare-cities tools to see the full picture.
This calculator is not tax advice.
Frequently asked questions
How is take-home pay calculated?+
Does a 401(k) increase my take-home pay?+
Which states have no income tax?+
What is FICA?+
Keep planning
See how your take-home pay stretches in a new city or toward your goals.
Sources and limits
Tax figures come from IRS and state government publications (2026 rules, checked October 13, 2026). Written and maintained by Relocation By Numbers. Sources and limits reviewed October 13, 2026. Found a mistake? Tell us in the feedback box below. Full methodology
Sources
- IRS Rev. Proc. 2025-32: 2026 tax brackets and standard deduction
- IRS Publication 15 (2026): Social Security wage base and payroll tax rates
- IRS Instructions for Form 8959: Additional Medicare Tax thresholds
- State income tax rules: the state agency or legislature documents listed by state
- Local income taxes modeled and their sources
- Employee-paid state payroll programs included, with rates and sources
Not included
- Wages only: no self-employment, investment, capital-gain or other non-wage income.
- Standard deduction only; no itemized deductions, tax credits (dependents, education, earned income and others) or alternative minimum tax.
- Single and married-filing-jointly only; no head of household or married filing separately.
- Employers may pay some or all of a state paid-leave program's employee share; the calculators assume the largest employee share the law allows.
- Local income taxes cover a resident who works in the same city; commuter taxes and credits for tax paid to another city are not included.
- Health-premium and HSA pre-tax deductions, additional withholding and bonus withholding rules are not modeled; this estimates the tax owed for the year, not employer withholding.